Nissan Sentra Insurance Rates

Need help finding cheap Nissan Sentra insurance rates? Our guide breaks down insurance costs that will help you decipher everything from 2018 Nissan Sentra car insurance rates to 2011 Nissan Sentra costs.

So read on to learn how a Nissan Sentra auto insurance  company may calculate your premiums and how to secure cheap car insurance rates.

Never buy Nissan Sentra car insurance without shopping around. We can help you find affordable Nissan Sentra car insurance quotes in your area.

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The average auto insurance rates for a Nissan Sentra are $1,372 annually for full coverage. Comprehensive insurance costs around $254 a year, collision insurance costs $570, and liability insurance is $390. A liability-only policy costs around $452 a year, and high-risk insurance costs $3,002 or more. Teen drivers cost the most to insure at up to $5,206 a year.

Average premium for full coverage: $1,372

Policy rates for type of insurance:

Price estimates include $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Sentra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above show why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on price averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows average Nissan Sentra insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $778
• Raising to $1,000 deductibles will save about $1,188 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,372
• Choosing low $100 deductibles costs an additional $370 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,002
• Policy cost with full coverage for a teen driver can be $5,206

View Chart as Image

Car insurance rates for a Nissan Sentra also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 138% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $560 each year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Nissan Sentra insurance rates. A middle-age driver might find rates as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,960 on average in Michigan, Louisiana, and New York.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Cheaper Nissan Sentra Insurance

Finding cheaper rates on Nissan Sentra insurance consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a condensed summary of the material that was raised in the charts and tables above.

• Drivers who may need increased levels of liability coverage will pay about $430 each year to raise from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger are the costliest to insure, costing up to $434 each month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents pay an average of $1,630 more every year to buy Nissan Sentra insurance
• Increasing comprehensive and collision deductibles could save up to $550 each year

So is the 2020 Nissan Sentra a good car? We recommended for it’s low insurance cost and great value.

Shopping around will help you save on the cost to insure a Nissan Sentra or any other Nissan model, such as a 2019, 2017, 2013, or 2005 Nissan Stanza. Getting quotes for a model year will also help you decide what year to buy when car shopping.

For example, the 2017 Nissan Sentra insurance cost may be much higher than the 2011 Nissan Sentra cost of insurance. So if you trying to find insurance for a 2017 Nissan Sentra or want to know how much does a 2014 Nissan Sentra cost to insure, start by getting quotes.

Use our free tool below to find how much does a new Nissan Sentra cost to insure.

What are the safety ratings of the Nissan Sentra?

Great safety features and ratings can lower your insurance rates. This is why a 2002 Nissan Sentra price range might be higher than the Nissan Sentra 2019 cost of insurance, as the 2019 Nissan Sentra will have better safety features.

The Nissan Sentra’s safety features include multiple airbags, vehicle dynamic control (VDC), traction control system (TCS), front collision warning, blind-spot monitoring, and more. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Nissan Sentra the following crash test ratings:

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good

Good is the highest rating possible. Watch the video below for an example of the Nissan Sentra crash test.

In the table below, you can see the different Nissan Sentra crash test ratings as composed by the National Highway Traffic Safety Administration.

Nissan Sentra Crash Test Ratings

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Overall, the Nissan Sentra performed well and proves to be a reliable, safe vehicle.

Nissan Sentra Compared Against Other Vehicles in the Same Class

The Nissan Sentra is a small car. The IIHS rated its property damage liability losses as average, but the Nissan Sentra’s bodily injury liability losses are substantially worse than average. This could mean higher liability rates.

See more of the Nissan Sentra insurance loss probability details in the table below.

Nissan Sentra Insurance Loss Probability

The lower the percentage, the better the loss ratio. Unfortunately, the Nissan Sentra is average or worse than average in every category besides comprehensive.

Sometimes liability rates will vary, as 2011 Nissan Sentra trim levels’ liability losses will be different than 2020 losses, but overall the losses for the Nissan Sentra aren’t promising. Take a look at the cars below to see how Nissan Sentra rates compare to other small cars.

• Acura ILX
• Chevrolet Bolt
• Chevrolet Cruze

Are you still wondering how much does a 2011 or 2014 Nissan Sentra cost to insure? Rates will vary based on model year, like the Nissan Sentra or Stanza 2019 cost will vary from the cost of a Nissan Sentra 2017 or the Nissan Sentra 2005 average price.

One of the best ways to determine prices is to compare quotes. Ready to get started?

Simply enter your five-digit ZIP code into our FREE online tool to find Nissan Sentra insurance rates.

References

1. https://www.iihs.org/ratings/vehicle/nissan/sentra-4-door-sedan/2020